I should also mention that, with regard to the "holding-out" of FICO, I already called FICO 6 or 7 months ago, on the phone that is. I talked to two people. The first person played stupid, so I disengaged. I called back, and told the 2nd person that, in the spirit of capitalism (I do enjoy their service and I am a paying customer), I hope that she would tell me the truth. I asked her a series of questions, and she admitted everything. She said that, indeed, people call in all the time asking why their score has not updated on their "usual" date. Each time I asked a different question, she answered as I suspcted, and she laughed, because she knew where I was going, and she was probably sympathetic, realizing how few people realize why the scores are given free. Out of respect for FICO, I stopped short of asking them the final "gotcha" question. After all, it's not like they are selling cyanide-laced candy. But she admitted pretty much everything that I suspected, about the holding of the score, that is.
